(1) The paid-in monetary fund of the non-financing guarantee institution reaches more than 30 million yuan; The paid-in monetary fund of the guarantee institution engaged in re-guarantee reaches 1 100 million yuan or more; The inter-provincial guarantee business should reach the paid-in monetary fund of more than 200 million yuan.
(2) The promoters have no criminal record and bad credit record.
(3) Having full-time technical practitioners, who shall meet the following conditions:
1, senior management personnel should have the necessary business knowledge such as industry policies, laws and regulations, and have more than 3 years working experience in related industries.
2. The main business personnel are familiar with business rules and operating procedures, and have no criminal record and bad credit record. Two-thirds of the staff have more than 2 years of working experience in industry-related business.
(four) a sound management system and risk control personnel system.
(five) other conditions stipulated by the government supervision department and the industry guidance department.
(six) more than five employees who have obtained the qualification.
Scope of guarantee business
Non-financing guarantee business scope: litigation preservation guarantee, property preservation guarantee, project performance guarantee, project payment guarantee, tender guarantee, advance payment guarantee, balance payment guarantee, raw material credit purchase guarantee, equipment installment guarantee, lease contract guarantee, financial payment guarantee, joint guarantee, warehousing supervision guarantee, other economic contract guarantee and intermediary services such as investment and financing consultation and financial consultant related to guarantee business. But shall not engage in the following business:
1. Deposit absorption
2. Raise funds and collect money
3. Entrusted loan
4. Issue bills
5. Providing loans and other national financial supervision and credit business.
Grade standard of guarantee company
The level of guarantee institutions is divided into one, two, three and four levels. The standards for each level are as follows:
(1) Level 1:
1, and the paid-in monetary funds should reach 1 billion yuan or more;
2, senior management personnel should have a bachelor's degree or above or senior titles, the main business personnel with a college degree or above or intermediate titles should account for more than 80% of the total number of personnel;
3. The total amount of guarantee exceeds 250 million yuan, the balance of guarantee exceeds 654.38+0.5 billion yuan, and the loss rate of compensation is less than 2%.
4, other materials required by the regulatory agencies and guidance agencies.
(2) Level II:
1, and the paid-in monetary fund should reach more than 70 million yuan;
2, senior management personnel should have a bachelor's degree or above or senior professional title, the main practitioners have a college degree or above or intermediate professional title should account for more than 70% of the total number of personnel;
3. The total amount of guarantee is more than 65.438+0.2 billion yuan, the balance of guarantee at the end of the first year of operation is more than 0.9 billion yuan, and the loss rate of compensation does not exceed 4%.
4, other materials required by the regulatory agencies and guidance agencies.
(3) Level 3:
1, and the paid-in monetary fund should reach more than 50 million yuan;
2. Senior managers should have relevant college education or intermediate titles, and the main employees with college education or intermediate titles should account for more than 60% of the total number of employees;
3. The total amount of guarantee is more than 800 million yuan, the balance of guarantee at the end of the first year of operation is more than 600 million yuan, and the loss rate of compensation is not more than 4%.
4, other materials required by the regulatory agencies and guidance agencies.
(4) Level 4:
1, and the paid-in monetary fund should reach more than 30 million yuan;
2, senior management personnel should have a college degree or above or intermediate titles, the main employees have a college degree or above or intermediate titles, junior titles accounted for more than 60% of the total number of personnel;
3. The total amount of guarantee is more than 40 million yuan, the balance of guarantee at the end of the first year of operation is more than 30 million yuan, and the loss rate of compensation is not more than 5%.
4. Other materials required by regulatory agencies and guidance agencies.
Restrictions on collateral
According to the Guarantee Law of People's Republic of China (PRC), a guarantee company may use the following properties as collateral:
(1) Houses and other things fixed on the ground owned by the mortgagor;
(2) Machines, means of transport and other property owned by the mortgagor;
(three) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;
(4) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law;
(five) the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;
(six) other property that can be mortgaged according to law.
A guarantee company shall not mortgage the following properties:
(1) Land ownership;
(2) The right to use collectively-owned land, such as cultivated land, homestead, private plots and private hills, except as stipulated in Item (5) of Article 34 and Paragraph 3 of Article 36 of the Security Law;
(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;
(4) Property whose ownership and use right are unknown or controversial;
(5) Property that has been sealed up, detained or supervised according to law;
(six) other property that may not be mortgaged according to law.